The policy. Even if your tip is just a small gift certificate for a peppermint mocha, making someone feel appreciated strengthens your relationship, says Senning. That’s good for both of you. So be generous (knowing that generosity doesn’t mean you have to spend a lot).

Some women also tip their child's teacher, often with a gift card (depending on school policy)!

Cash, gift or card? At the very least, give a card, notes Senning, especially if money is tight. Beyond that, a gift is appropriate if you know the person well enough—otherwise a cash tip or a gift card is usually fine.

Senning and some women agree that if you’ve tipped someone regularly throughout the year (or been generous with bonuses), there’s no need for a big end-of-year tip.